I faxed the bill ($1505.57) showing the date of June 30, 2015, that is the first I knew about the increase. I sent the email showing I didn't have access to "paperless" billing and documents until June 30,which I had to call the agent and get my sign on information since I wasn't aware the account had been set up for months via Nationwide. That is why I didn't respond until June/July 2015. The time frame that I respond is irrelevant to the amount of money owed to me.Nothing about Nationwide's response makes sense. The math is done on every declaration. There is nothing showing why Nationwide absorbed $of the $that was taken from escrow. The $came from yet another change due to over charging on the garage square footage. On Sept14, I spoke with B L*** (Nationwide customer service rep in Columbus Ohio) and emailed him the appraisal drawing and measurements of my house. On Sept15,he called me back and said the deduction was approved by the underwriter. So, MrP***, you are wrong when you stated that the measurements were "largely correct". The discrepancy was with the guest house and the garage. According to my correspondence with D D*** ( Nationwide agent) The increase was for square feet not the actual square feet of the house. That is obviously "largely" incorrect If I opted for a higher deductible ($5000) but already paid the higher premium for the lower deductible ($2500) for months then you back dated to give me the higher deductible effective October 23, that means my premium is lowerTherefore, you owe me money. If I opted for the lower deductible, my premium (out of pocket) is higher which means I would have owed you money. Nowhere on any of the statements I received shows where the $went.Simple math:October 23, premium $Money pulled from escrow $= $4264.89. July dwelling change new premium $($difference in premium I was refunded $184.20...) July 30,deductible change new premium $( difference from July is $I was refunded $86.83) Aug dwelling change (square footage) new premium $(difference I was refunded $427.07) Final premium as of now Sept $(difference $42.68, no refund) From beginning to end it was only a $difference in premium 9-21-2015, $2939.81-$(original Oct 2014) = $I've received $184.20+$86.83+$427.07=698.10 Over charged $1505.57-$refunds - $final premium increase =$owed to me. If you could justify where the $went it should reflect in the declaration and premium each time you sent it. It should equal to $0.00. I also have an email contesting the $and stating that I wasn't going to pay the increase because Nationwide couldn't provide a valid reason for the increase. I also said in my email (which I will forward) that I would not sign the new contract and I was shopping for a different insurance company to cover my homeowners insurance. Despite that email, Nationwide withdrew from my escrow. I have forwarded my complaint to the *** Insurance Commissioner to have D D***/Nationwide reviewed as well as spoke with an attorney to consider pressing criminal charges for withdrawing money after I adamantly made it clear I was going to drop Nationwide in July. I have every email, statement and document. I doubt I will have problems getting reimbursed for the stress, increased house payment due to escrow shortage and many hours I have spent on the phone, gathering documents, sending emails fighting to get back my $from a multi million dollar company.
Regards, *** ***
I did not agree to those fees, and did not accept those fees. Please waive the fee in total, and then, only then, close the account.I was also advised on the phone in June that all fees would be refunded. Please issue refund and DO NOT charge me any fees. This is clear, as of this date: 07/07/
Regards, *** ***
Dear: Ms*** "Thank you for the opportunity to respond to this complaint We received notice of a Medical Payments claim by Ms*** on September 9, After a review of the claim, the Nationwide Claims Associate issued payment to Ms*** on October 6,
for the coverage limit of $2,On or about October 13, the Nationwide Claims Associate put a "stop payment" on the check based on a mistaken belief that there was an outstanding *** lien against any Medical Payments coverage available to Ms*** for the lossThe Nationwide Claims Associate also contacted Ms*** and asked if she had cashed the $2,check yetMs*** said she had notThe Nationwide Claims Associate was not aware, at that time, that Ms*** had actually cashed the check a few days priorThe "stop payment" of the $2,check caused Ms***' account to be overdrawn Nationwide found out about the overdrawn account on Oct 17, Thereafter, Nationwide Claims Manager Bill P*** reviewed the file and determined that there was no outstanding *** lien on the Medical Payments coverage available to Ms*** for the lossBased on this determination, Nationwide tried to deposit the $payment directly into Ms***' account on October 17, 2016, but Ms*** instead requested that Nationwide overnight a check to herNationwide overnighted a $2,check to Ms*** on October 18, The check was delivered to Ms *** at approximately 11:am on October 19, 2016. Ms*** claims to have incurred a $overdraft chargeNationwide is willing to reimburse Ms*** the $charge upon proof of loss being submitted by Ms***Nationwide has requested the proof of loss on October 18th , 20th and 27thAs of the writing of this letter Nationwide has not received any proof that this $charge exsistsNationwide maintains the position that it will be happy to reimburse Ms*** once she submits proof of the $loss. If you require further assistance, please contact our Customer Relations Coordinator, Yvette S*** , at ###-###-#### or by email at *** Sincerely, William J P*** *** *** ***
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I cant get papers because I dont know which company he switched to after you all decided he couldnt be on account then added him back without permissuon
January 11, 2016*** *** ***
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Dear *** ***:On October 20, a claim was reported to Nationwide Mutual Insurance Company (Nationwide)concerning an automobile accident occurring on this date.Named Insured, *** ***, was operating a *** ***, a listed vehicle under NationwidePolicy Number ** ** * ***The claimant, *** ***, owns a *** ***On October20, 2015, *** *** was traveling westbound on *** Road attempting a left turn onto *** when he pulled into the path of *** ***, who was traveling eastbound on *** RoadThisaction caused the right front corner of *** ***’ vehicle to strike the right rear side of *** *** vehicle.Nationwide paid *** ***’ damage estimate of $5,($3,of this were for parts) plus $444.17in rental costs.On/around October 22, 2015, prior to repairs being completed, Nationwide received notice that ***
*** was also making a Diminished Value ClaimThe Diminished Value Claim was assigned toadjuster *** *** *** arranged for a post-repair vehicle re-inspection, which wascompleted on/around December 3, *** *** provided a copy of the vehicle title/registration aswell as diminished value appraisal report obtained through *** (***).The appraisal report through *** indicates that no actual inspection was performed; rather, theyreviewed the materials provided by *** *** opined that the pre-loss fair market value for thesubject vehicle was $47,*** further stated they "do not assess the quality and thoroughness ofthe repairs....only diminishment relating to stigma has been assigned a dollar value in this report"Thereport also lists several factors which potential buyers may consider important if they know the vehiclehas been involved in an accidentThese again relate to the 'stigma' referenced and speak in generalitiesand hypothetical situations only; there is nothing specific to this particular claim and/or vehicleIt'simportant to note that 'stigma' and generalities are speculative and do not prove a diminution in valueclaim without evidence of a reduction in the vehicle's actual cash value before the accident and afterrepairsThe *** report also references vehicles with a similar year/make/model; however, all havediffering mileage than that of the subject vehicle*** goes on to claim that the post-accident fairmarket value is $38,and further alleges that due the accident, the vehicle's value has diminished by20% or $9,There has been no documentation provided that would support these figures and/oropinion.Furthermore, *** *** has alleged that this accident has caused his vehicle to sustain accelerateddepreciation, and has further alleged that a reasonable person will not pay the same price for awrecked/repaired vehicle as they would for one with no prior damage history*** *** has not providedany documentation to support his statements and/or opinionsIt should also be noted that during thepost-repair inspection, it was discovered that the *** ***' vehicle sustained additional {unrelated}damage due to a subsequent accident/incident.The measure of damages for diminution in value in Ohio is the difference in actual cash value (not tradein or resale value) before an accident and after repairsThe information *** *** has provided is notbased on a difference in actual cash valueFurthermore, in Ohio, a claimant recovering both the cost ofrepairs and the residual diminution in value is not entitled to recover damages in excess of the vehicle'sgross diminution in valueIn addition, *** *** has suggested that the accident will negatively impactthe vehicle's traand/or resale value; however, as noted above, diminished value is not based ontraor resale value.Taking into consideration the aforementioned information, the damages sustained, repairs made, as wellas the vehicle's age, mileage and overall condition, we have extended a good faith offer of $1,toresolve *** ***’ diminished value claim; *** *** has rejected this offer at this time.Nationwide would be pleased to consider any new information *** *** would like to provide to supporthis claimIf you have any additional questions please contact Angela S***, Customer RelationsCoordinator, Office of the Customer Advocacy at ###-###-#### or ***Respectfully,Wendy K*** ***Claims ManagerNationwide PCIO | MidWest Operations | Material Damage*** *** *** ***
*** ** ***C ###-###-#### | F ###-###-####***Office of Customer Advocacy | *** *** *** *** * *** ** ***
In response to Nationwides July 30, (didn’t realize I had to reply again to issue) statement I see errorsOne being I called several weeks after accidentThis may be true with regards to my most recent Subaru replacement car, however I did call the following day after release from hospital from accident on April 22ndThat being a call placed on April 23rd to report the accident and, ask if there was such a thing as a higher deductible other than the $and $I was quoted back in FebThat being the other error their July 30th replyThey state I was quoted “several deductibles” I was “only” quoted two, that being $and $500, both of which I stated I could not afford“and” I stated, “I guess I will have to sell my car “if” you don’t have a collision/deductible option I can afford!!! They then stated after a pause “is that all Jim”I stated “I guess if you can’t help me with a collision option any cheaper”They “ok then, Goodbye”Me Goodbye”I was “never” offered “anything” above and beyond a $+ $deductible “until” I called back stating my neighbor informed me most insurance companies have “higher deductibles”Only then was I informed I had $750, $1000, even $deductible options, of which I can afford , and have on my replacement car, a $deductibleHad I been quoted those options at the time in question I would not be in the position I’m in , a totaled $12,car that did not have collision which it would have had had I been offered to me back in FebTherefore I am seeking the value of the totaled car, $12,less the $deductible “I would have had had I been offered and made aware that there were and are more affordable options to me at the time of my inquiry back in FebWhen I inquired and stated I could not afford the “only two options” I was offered, when I state I guess I will have to sell my car if you (they insAgents) don’t have a collision options any cheaper, I and one would assume the insurance agents (illegible word) I exhausted any/all options available to meI have not owned a car worthy of collision until now, and assumed by the lack of any more collision options at the time of my inquiry, that $and $deductible was the norm with regard to insPolicies, and, that there was no such thing as a higher deductible, or, they would have offered it to me when especially where I’m telling them I guess I will have to sell my dream carIn short, I should have been made aware of ALL my collision options, not just $& $Sworn under penalty of perjury notarized statements available upon request $12,- $= $10,owed to meHowever NADA Book is $11,- $= $owed in the leastSincerely,
*** ** *** ***
Thank you for communication dated May 18, informing us of the matter that Ms*** has brought to your attention.Scottsdale Insurance Company is an excess and Surplus Lines company operating on a non-admitted basis in ***Scottsdale writes business only through licensed and
contracted General Agents who place business for their contracted independent retail agents.Upon receipt of your letter, we contacted our general agent, *** * *** ***, for whatever additional information they might provide concerning this matter.The policy in question was issued* or the policy period of March 3, to March 3, The insured requested cancellation of the policy effective April 1, 2017, and the policy was subject to a minimum earned premium of $297.00, plus any earned taxes and feesAs we provided coverage under this policy from March 3, until April 1, 2017, it is subject to the minimum earned premium per the terms and conditions of the policy.Please find enclosed: Copy of the bind request from the insur**’s agent, *** ***, dated March 3, 2017 Copy of Declarations page, indicating the $minimum earned premiumCopy of Invoice for the premium due and the return of premium (minus unearned commissions to *** ***) Copy of Cancellation endorsementPlease note that we do not have any business relationship with the insured’s agent, *** ***, IncTherefore, we are not privy to any conversations or arrangements between these parties, and any monies due to the insured would be returned by themWe respectfully suggest you contact them if there is any further information they can provide to resolve this matter.Should you require any further assistance in this matter, please contact our Customer Advocacy Coordinator, Patty G*** at ###-###-#### or via email at ***.Sincerely,Kevin B***
This will acknowledge receipt of, and thank you for your letter of December 2, *** ***’s complaint to you was in regards to her homeowner claim that was partially deniedIn reviewing Ms***’s claim, her claim involved reported damages to her property resulting from flood, wind, and
interior water damages from a storm which occurred on October 3, 2015.In regards to this homeowners claim, a loss notice was received by Nationwide on October 9, An initial contact was made with Ms*** on October 9, 2015, and again on October 13, 2015, by the assigned claims associateThe investigation and inspection of the claim commenced on October 15, At that time we reviewed with the insured that there was no coverage for any of the flood damages and mailed her a partial denial letter on October 16, Our inspection also determined ensuing water damages to a bathroom due to wind driven rains around a deteriorated roof ventAn estimate and payment for the covered damages (ensuing water damages) were provided to Ms***.On November 19, 2015, we received a request to re-inspect the property for an additional roof leakThe re-inspection took place on November 20, 2015, with Ms***’s son, *** presentThe inspection determined water had entered the attic around the deteriorated chimney flashing which caused water and mold damages to a small area on the underside of the roof sheathingAn estimate and payment for the additional damages were provided as well as a partial denial for the chimney flashing.Both inspections revealed there was no wind damage to the roof shingles from the storm of October 3, 2015, but there was damage due to deteriorated conditions of a roof vent and chimney flashing, which is not covered under the Nationwide homeowner policy.We hope this provides you the information that you requireIf we can be of any further assistance, please do not hesitate to contact us at any time.If you have any questions or concerns, please contact me at ###-###-#### or ***Sincerely,Debbie D***
This has absolutely nothing to do with my property and I have no idea who they are speaking ofThere is no "***" involvedMy last name is ***They should recheck the claim number which is for property in North Wildwood, NJ (*** * *** Ave unit ***)*** ***
COMPANY STATES LETTERS WERE SENT WHICH I AM STILL IN DISAGREEMENT WITH BC NO NOTICES WERE EVVER RECEIVEDTHIS WHOLE TIME THE BALANCE BEING REPORTED AND REFLECTED WERE INACCURATE AND WAS REPORTED TO TEH CREDIT BUREAUS HAVING A NEGATIVE IMPACT ON MY CREDIT WHICH IS UNFAIR.ON JULY WHEN I CALLED IN TO SPEAK WITH A SUPERVISOR EVEN HE WAS NOT ABLE TO TELL ME WHT THE BALANCE I OWED WASI HAVE NO PROBLEM PAYING WHAT I OWE I DO HOWEVER HAVE A PROBLEM PAYING ESTIMATED AMOUNTSI WANT THIS REMOVED FROM MY CREDIT REPORT SINCE IT WAS REPORTED INACCURATELY AND UNFAIRLYAT THIS POINT I FEEL THE ONLY OPTION I HAVE IS TO TAKE THIS TO THE MEDIA
Regards,
*** ***
To whom it may concern:Thank you for your recent inquiry regarding a complaint you received from Natalie ***Below is the information we gathered regarding this caseIf I do not provide the information you need for this matter, please do not hesitate to let us know.Our records indicate on
March 17, Associate Agent *** *** received an email from Ms*** informing him she was moving back to the *** *** on May 22, She also mentioned in the email the need for her bank account information to be updated because the account we had on file had been closed.On March 17, Mr*** responded via email to Ms***’ request to update her banking informationHe informed her he needed her routing and account number and asked her to confirm the account was in her name.Ms*** responded to Mr***’s email on March giving him the banking information needed and again on March These emails also contained questions pertaining to the $non-sufficient fund fee she was being incorrectly chargedUnfortunately, these emails were not opened by Mr*** until April It was on this date Mr*** informed Ms*** (via email) that he had not changed the routing and account numbers as he advised he wouldMr*** also informed Ms*** the policy was scheduled to cancel on April 29, Realizing his error, Mr*** also informed Ms*** he would have the non-sufficient fund fee waivedSubsequently, there was no follow up with the insured nor was the $non-sufficient fee waived.We have, however, taken the necessary steps to remove the $non-sufficient funds fee and the resulting $collection amount charged to Ms***A refund check in the amount of $(unearned premium) is in the process of being mailed to Ms*** and *** *** to the *** *** *** *** ** *** *** *** *** address we have on fileThe policy’s cancellation date will remain April 29, 2015.We sincerely apologize to Ms*** and Mr*** for the level of service they receivedWe thank them for their patience and for allowing us an opportunity to correct this issue.Thank you for bringing this matter to our attentionWe trust this will resolve all pending concernsIf you should have any questions or wish to discuss the matter further, please feel free to call *** *** Office of the Chief Customer Advocate Complaint Coordinator at ###-###-#### or email her at ***Sincerely,*** *** *** *** *** *** ***Nationwide###-###-#### ***
September 24,
Revdex.com File #: ***
Complainant:
*** ***
Insured:*** ***
Policy #: ***
Company Name: Nationwide General Insurance Company
*** ** ***
*** *** * ***
Inception date: May 7,
Dear *** ***
We regret that our rates were not competitive enough to keep *** *** auto policy insured with us*** *** policy increases were a direct result of a rate increase in her area at each renewal
The May 7, renewal generated with the term premium of $This was an overall increase of $from the previous renewalThis increase was due to a general rate increaseThe November 7, renewal generated with the term premium of $This was an overall increase of $from the previous renewalThis increase was due to a general rate increase. The May 7, renewal generated with the term premium of $835.59. This was an overall increase of $from the previous renewalThis increase was due to a general rate increase
*** *** agent, Albert G***, is sorry that the member is unhappy with her rates. He believes he took good care of her as a customer over the yearsUnfortunately, *** *** expressed to the agent that she does not wish to speak with him and advised him not to call her
On August 6, 2015, *** *** request cancelled her auto policy effective August 3, 2015. A refund was sent to her in the amount of $20.18. Our records indicate that she cashed the refund check on August 26,
We would like to personally express our regrets in losing *** *** as a member and ask that should her situation change in the future, she will consider Nationwide to be “On Your Side” again
If you require further assistance, please contact our Customer Relations Coordinator, Cathy D***, at ###-###-#### or by email at ***
Sincerely,
Tiffany C***
SrAnalyst
Member Solutions - Shared Services
Customer Resolution & Response
Nationwide
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Enclosures: Policy Declarations
Thank you for the opportunity to respond to the Revdex.com regarding the complaint filed by *** ***It is our practice to obtain either proof of purchase and/or photos of car seats needing to be replaced, in order to ensure that we're correctly replacing with the same/similar
model/trimConfirming the seat manufacturer and model/trim is an important detail in ensuring that payment for replacement is correct and in line with current pricing on replacement seats.We requested photos of the seat in question from *** ***, but were informed that the customer had already disposed of the car seatIn an effort to ensure correct payment, we requested proof of payment/a receipt in order to verify trim and pricing*** *** advised us that they did not hold onto the receipt for the car seat and that it was not purchased with a bank account, which made it impossible to provide proof of purchaseIn an effort to ensure customer satisfaction, we have made an exception and have approved payment for car seat replacement without the required photos and/or proof of paymentPayment in full for the car seat replacement requested by the customer has been approved and payment should be issued shortly.I trust that I have addressed the issues within *** ***’s complaintIf I can be of further assistance, please contact me at ###-###-####.Sincerely,*** *** ***Western Claims Titan Insurance
Dear *** ***,
Nationwide strives to provide great customer service to all of our customers. I have investigated the issues stated by our member and the following response was received from agent, *** ***, in regards to the complaint filed by *** ***
Our office spoke to this policyholder on December 1, She informed us she was the owner of the vehicle on policy number *** We wrote a spinoff policy December 2, with *** *** as the named insured and the two drivers on the policy were *** and her mother, *** The Application is in DocuVault but it is unsignedThe application was sent to her by email in December of and again in May of The policy was written correctly but sometimes when we write a spinoff policy, the named insured while in processing at Nationwide switches back to the named insured on the prior policy. While in Nationwide processing the new policy was placed back in her mother’s name. We are able to correct this but would need the signed applicationMs*** has still not signed the application to correct the named insured errorOur system reflects that on December 1, the policy was bound in *** ***’s name. I have already mentioned this to Nationwide because we have seen this error beforeNationwide is aware that this can happen when a spinoff policy is written (a spinoff policy is when a driver on a current policy is transferred to their own policy)The address on both of these policies is the same. All Declaration Pages have been sent to the *** *** addressI feel Ms*** is holding off signing the application because she wants Nationwide to pay the rental reimbursement for a rental car she had after her accident. We only need the signed application returned to us in order to place *** *** as the named Insured on the policy
Ms*** has spoken to Nationwide directly several times, the original vehicle on the prior policy and spinoff was a CadillacShe replaced that vehicle with an Audi and spoke to Nationwide directly to make that the replacement vehicleShe never had rental coverage on the prior policy *** and it was not put on the new spinoff policy ***There were never any notes or questions about rental coverage. Ms*** has received all Declaration Pages and no rental coverage is listedNo communication was made with our office after the conversation on December 1, 2014, when her spinoff policy was made effectiveMs*** has no documentation where she requested this coverage that I am aware of
We find that no error has occurred as there has been no documented request for LOU/Rental coverage either on Ms***'s prior policy or on her current policy. When her vehicle was added to the policy, there also was no request for LOU/Rental coverageSince this coverage was not on her prior policy and we do not have any record of a request being made to add this coverage, Nationwide is not responsible for reimbursing Ms*** for any rental car cost
If you have any additional questions, please contact me at ###-###-#### or ***
Best Regards,
*** ***
*** ***
Centralized Sales Operation and Support
Thank you for the opportunity to provide an additional response to the Revdex.com regarding policy number *** for Mr*** ***n
Mr*** requested to have his spouse, *** *** excluded from the policy because she was not going to be driving the listed vehicleMs*** was not required to be added to the policy but an exclusion form is required to be submitted when a household member of driving age is not going to be rated on the policyNotice was mailed to Mr*** requesting this information on 9/15/This was also verbally explained to Mr*** on 10/29/and 11/09/
The policy cancelled on 11/27/because the exclusion form requested was not received
If I can be of further assistance, please contact me at ###-###-####
Sincerely,
Alexandria C***
***This letter is in response to the concerns submitted to the Revdex.com regarding thecancellation and billing of the Nationwide Auto policy ***When the policy renewed on July 16, 2017, a premium of $1,was billed to the account, as wellas a $auto theft
state feeOn July 13, 2017, a $installment fee was billed to the account,increasing the premium to $1,A statement was then mailed on July 13, 2017, informing that apayment of $would be deducted from the bank account for which auto-draft had been set upon August 6, 2017, or by the next business dayThe payment was drafted on August 8, 2017, whichdecreased the owed balance to $1,596.74.On August 12, 2017, a $installment fee was charged to the billing account, which increased thepremium owed to $1,A statement was mailed on August 14, 2017, informing that a paymentof $would be deducted from the bank account on September 6, 2017, or the next businessdayThe payment was drafted on September 7, 2017, which decreased the owed balance to$1,451.58.On September 12, 2017, a $installment fee was charged to the billing account, which increasedthe premium owed to $1,A statement was mailed on September 12, 2017, informing that apayment of $would be deducted from the bank account on October 6, 2017, or the nextbusiness dayThe payment was drafted on October 9, 2017, which decreased the owed balance to$1,306.42.On October 11, 2017, the Agency processed a cancellation for the policy effective October 3, 2017.The unearned premium for the policy, in the amount of $1,364.95, was removed from the billingaccountThis resulted in an overpayment of $58.53, which was refunded to Ms***’s bankaccount.The following information is from Mrs***’s Agent Mark S*** regarding the cancellation andrefund issued to Ms ***:Ms*** called in on 10/3/and spoke with Joleen in our office to request the cancellation of herpolicyJoleen mailed her a cancellation form on that day, and explained she would cancel the policywhen she received the form back.When I spoke with Ms*** on 10/11/17, she said she had not received the cancellation form tosignI verified the address, and resent the cancellation formI said I would process the cancellationat that time effective 10/3/17, and wait to get the formal signed cancellation requestAs of 3/9/18, Ihave not received her formal signed cancellation form back.I had also spoken with Ms*** on 10/11/at 7:45AM about the funds that were taken from herchecking account, and I told her I would check into seeing about a refund for the funds taken from heraccount and get back to herI then called the *** billing and Customer Service Center, and theysaid they would be putting the funds back in her account within two business daysI called Ms.*** back at 8:55AM to tell her and told her I’ll keep an eye on the billing to see what happens.She seemed to be satisfied at that time.On 10/13/at 12:34PM, Ms*** called in to see what the result of the refund process wasbecause the amount refunded was far less than she expectedI told her I will call *** to find outand get back to her.On 10/13/at 12:44PM, I called *** billing because it seemed that the refund that was supposedto be returned was less than it should beI spoke to ***, and she said when Ms*** hadcalled in directly back in October to request that her withdrawal date be changed to the 6th of themonth, it really makes it as though she is paying for the prior month and that is why she is not gettingher full refund back.I called Ms*** back on 10/13/at 1:05PM about the refund issuesI explained what *** hadtold me and why she was not getting the amount back she was expectingI told her that she was theone who had called in directly to ***, and asked for the date of withdrawal to be changed from the16th to the 6th of the month, which creates a lag in the way her premiums are collectedShe wasupset, and said that she was being taken advantage of because she is an older woman, and that aman would never be treated this wayI told her that being older and a woman has absolutely nothingto do with thatI gave her the phone number for *** and her policy number for her to call.The total term amount owed for the policy from July 16, to October 3, 2017, including fees, was$The final payment that was drafted from the account in the amount of $on October9, paid for the earned premium up to the cancellation date of October 3, The totalpayment made toward the policy was $439.48, which resulted in a refund in the amount of $58.53.The unearned premium was refunded to Ms***’s bank account from which the automatic draftswere takenAll unearned premium was refunded to the accountFurthermore, an error has beenidentified in the handling of the policyWhen the Agency was informed of Ms***’s intent tocancel the policy, a cancellation of the autodraft from the bank account should have been offered.This was not completed, and as a result, the bank account was automatically billed the $146.16,which led to two insufficient funds fees being charged to the account, with a total amount of $56.00.Nationwide is issuing a check to Ms*** to reimburse her for the $56.00.If you require further assistance, please contact Angela S***, at ###-###-####or by e-mail at***Sincerely,George K*** ***cc:Enclosures:
Thank you for all that you doNationwide has sent me a check today of $1,which according to them is 75% of their own estimate of $1,At first when I gave them an estimate it was $from the mechanic that my insurance sent me toTheir own is far less than thatHowever, I asked them to please go and fix the car since their own estimate is lesserThe lady refused *** saying "I have to go and fix it and that is how much she is offering me"! I plant to get a second opinion from another mechanic.Kindly help to resolve this with them as they refusing to respond to me.Thank you,Sincerely,*** ***
This letter is in response to your August 26, inquiry regarding the above-referenced claimThis claim resulted from an auto accident that occurred on July 31, in *** ***The claim was reported to us on August 4, We promptly initiated our investigation into this accident on the
same day and were able to speak to both our insured and the complainantThe loss involves a International Pro Star tractor, VIN ***, owned by our insured which was being operated by *** *** Mr*** changed lanes and collided with the complainant’s vehicleLiability for the accident is not contested; however, coverage for the accident was pending as the International Pro Star tractor was not listed on the policy at the time of the accident.Scottsdale Insurance Company provides *** *** *** ***with coverage under Policy No***, effective August 7, through August 7, Among other coverages, the policy provides liability coverage for specifically described autos as well as newly-acquired and temporary substitute vehicles.Complainant: *** ***Both our insured and the complainant were advised that coverage was pending for this lossWe have also been in contact with, and provided the status of our coverage investigation to, the complainant’s insurance agent, *** *** with Tompkins Insurance Agencies, Inc., on August 13th and August 27th as well as the complainant’s son, ***, on August 25thIt is our objective to return all calls within one business day.Today, August 31st, we have been able to confirm the International Pro Star tractor involved in this accident will be added to the policy as a scheduled auto prior to this accidentAs coverage has now been confirmed, we have issued payment to the complainant for their estimated damages and also advised them today that payment is forthcoming.Should you require any further assistance in this matter, please contact our *** *** ***, Patty G***, at ###-###-#### or via email at ***Sincerely,Norm S*** *** ***###-###-#### ###-###-####
I am writing in response to the complaint referenced above, for *** ***, regarding an auto loan he holdswith Nationwide Bank.In reviewing Mr***s account, I find that we have received all the documentation required of Mr*** inorder to maintain his approved interest rateI sincerely
apologize for any frustration or concern our letter mayhave caused Mr***. To verify, the loan number referenced in Mr***s complaint was opened with Nationwide Bank onNovember 28, for a term of sixty months with an APR of 10.98%That interest rate is fixed and will beactive for the remainder of the loan.Please feel free to reach out to me directly if I may be of further assistance.Thank you,Anne C***
I faxed the bill ($1505.57) showing the date of June 30, 2015, that is the first I knew about the increase. I sent the email showing I didn't have access to "paperless" billing and documents until June 30,which I had to call the agent and get my sign on information since I wasn't aware the account had been set up for months via Nationwide. That is why I didn't respond until June/July 2015. The time frame that I respond is irrelevant to the amount of money owed to me.Nothing about Nationwide's response makes sense. The math is done on every declaration. There is nothing showing why Nationwide absorbed $of the $that was taken from escrow. The $came from yet another change due to over charging on the garage square footage. On Sept14, I spoke with B L*** (Nationwide customer service rep in Columbus Ohio) and emailed him the appraisal drawing and measurements of my house. On Sept15,he called me back and said the deduction was approved by the underwriter. So, MrP***, you are wrong when you stated that the measurements were "largely correct". The discrepancy was with the guest house and the garage. According to my correspondence with D D*** ( Nationwide agent) The increase was for square feet not the actual square feet of the house. That is obviously "largely" incorrect If I opted for a higher deductible ($5000) but already paid the higher premium for the lower deductible ($2500) for months then you back dated to give me the higher deductible effective October 23, that means my premium is lowerTherefore, you owe me money. If I opted for the lower deductible, my premium (out of pocket) is higher which means I would have owed you money. Nowhere on any of the statements I received shows where the $went.Simple math:October 23, premium $Money pulled from escrow $= $4264.89. July dwelling change new premium $($difference in premium I was refunded $184.20...) July 30,deductible change new premium $( difference from July is $I was refunded $86.83) Aug dwelling change (square footage) new premium $(difference I was refunded $427.07) Final premium as of now Sept $(difference $42.68, no refund) From beginning to end it was only a $difference in premium 9-21-2015, $2939.81-$(original Oct 2014) = $I've received $184.20+$86.83+$427.07=698.10 Over charged $1505.57-$refunds - $final premium increase =$owed to me. If you could justify where the $went it should reflect in the declaration and premium each time you sent it. It should equal to $0.00. I also have an email contesting the $and stating that I wasn't going to pay the increase because Nationwide couldn't provide a valid reason for the increase. I also said in my email (which I will forward) that I would not sign the new contract and I was shopping for a different insurance company to cover my homeowners insurance. Despite that email, Nationwide withdrew from my escrow. I have forwarded my complaint to the *** Insurance Commissioner to have D D***/Nationwide reviewed as well as spoke with an attorney to consider pressing criminal charges for withdrawing money after I adamantly made it clear I was going to drop Nationwide in July. I have every email, statement and document. I doubt I will have problems getting reimbursed for the stress, increased house payment due to escrow shortage and many hours I have spent on the phone, gathering documents, sending emails fighting to get back my $from a multi million dollar company.
Regards, *** ***
I did not agree to those fees, and did not accept those fees. Please waive the fee in total, and then, only then, close the account.I was also advised on the phone in June that all fees would be refunded. Please issue refund and DO NOT charge me any fees. This is clear, as of this date: 07/07/
Regards, *** ***
Dear: Ms*** "Thank you for the opportunity to respond to this complaint We received notice of a Medical Payments claim by Ms*** on September 9, After a review of the claim, the Nationwide Claims Associate issued payment to Ms*** on October 6,
for the coverage limit of $2,On or about October 13, the Nationwide Claims Associate put a "stop payment" on the check based on a mistaken belief that there was an outstanding *** lien against any Medical Payments coverage available to Ms*** for the lossThe Nationwide Claims Associate also contacted Ms*** and asked if she had cashed the $2,check yetMs*** said she had notThe Nationwide Claims Associate was not aware, at that time, that Ms*** had actually cashed the check a few days priorThe "stop payment" of the $2,check caused Ms***' account to be overdrawn Nationwide found out about the overdrawn account on Oct 17, Thereafter, Nationwide Claims Manager Bill P*** reviewed the file and determined that there was no outstanding *** lien on the Medical Payments coverage available to Ms*** for the lossBased on this determination, Nationwide tried to deposit the $payment directly into Ms***' account on October 17, 2016, but Ms*** instead requested that Nationwide overnight a check to herNationwide overnighted a $2,check to Ms*** on October 18, The check was delivered to Ms *** at approximately 11:am on October 19, 2016. Ms*** claims to have incurred a $overdraft chargeNationwide is willing to reimburse Ms*** the $charge upon proof of loss being submitted by Ms***Nationwide has requested the proof of loss on October 18th , 20th and 27thAs of the writing of this letter Nationwide has not received any proof that this $charge exsistsNationwide maintains the position that it will be happy to reimburse Ms*** once she submits proof of the $loss. If you require further assistance, please contact our Customer Relations Coordinator, Yvette S*** , at ###-###-#### or by email at *** Sincerely, William J P*** *** *** ***
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I cant get papers because I dont know which company he switched to after you all decided he couldnt be on account then added him back without permissuon
January 11, 2016*** *** ***
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Dear *** ***:On October 20, a claim was reported to Nationwide Mutual Insurance Company (Nationwide)concerning an automobile accident occurring on this date.Named Insured, *** ***, was operating a *** ***, a listed vehicle under NationwidePolicy Number ** ** * ***The claimant, *** ***, owns a *** ***On October20, 2015, *** *** was traveling westbound on *** Road attempting a left turn onto *** when he pulled into the path of *** ***, who was traveling eastbound on *** RoadThisaction caused the right front corner of *** ***’ vehicle to strike the right rear side of *** *** vehicle.Nationwide paid *** ***’ damage estimate of $5,($3,of this were for parts) plus $444.17in rental costs.On/around October 22, 2015, prior to repairs being completed, Nationwide received notice that ***
*** was also making a Diminished Value ClaimThe Diminished Value Claim was assigned toadjuster *** *** *** arranged for a post-repair vehicle re-inspection, which wascompleted on/around December 3, *** *** provided a copy of the vehicle title/registration aswell as diminished value appraisal report obtained through *** (***).The appraisal report through *** indicates that no actual inspection was performed; rather, theyreviewed the materials provided by *** *** opined that the pre-loss fair market value for thesubject vehicle was $47,*** further stated they "do not assess the quality and thoroughness ofthe repairs....only diminishment relating to stigma has been assigned a dollar value in this report"Thereport also lists several factors which potential buyers may consider important if they know the vehiclehas been involved in an accidentThese again relate to the 'stigma' referenced and speak in generalitiesand hypothetical situations only; there is nothing specific to this particular claim and/or vehicleIt'simportant to note that 'stigma' and generalities are speculative and do not prove a diminution in valueclaim without evidence of a reduction in the vehicle's actual cash value before the accident and afterrepairsThe *** report also references vehicles with a similar year/make/model; however, all havediffering mileage than that of the subject vehicle*** goes on to claim that the post-accident fairmarket value is $38,and further alleges that due the accident, the vehicle's value has diminished by20% or $9,There has been no documentation provided that would support these figures and/oropinion.Furthermore, *** *** has alleged that this accident has caused his vehicle to sustain accelerateddepreciation, and has further alleged that a reasonable person will not pay the same price for awrecked/repaired vehicle as they would for one with no prior damage history*** *** has not providedany documentation to support his statements and/or opinionsIt should also be noted that during thepost-repair inspection, it was discovered that the *** ***' vehicle sustained additional {unrelated}damage due to a subsequent accident/incident.The measure of damages for diminution in value in Ohio is the difference in actual cash value (not tradein or resale value) before an accident and after repairsThe information *** *** has provided is notbased on a difference in actual cash valueFurthermore, in Ohio, a claimant recovering both the cost ofrepairs and the residual diminution in value is not entitled to recover damages in excess of the vehicle'sgross diminution in valueIn addition, *** *** has suggested that the accident will negatively impactthe vehicle's traand/or resale value; however, as noted above, diminished value is not based ontraor resale value.Taking into consideration the aforementioned information, the damages sustained, repairs made, as wellas the vehicle's age, mileage and overall condition, we have extended a good faith offer of $1,toresolve *** ***’ diminished value claim; *** *** has rejected this offer at this time.Nationwide would be pleased to consider any new information *** *** would like to provide to supporthis claimIf you have any additional questions please contact Angela S***, Customer RelationsCoordinator, Office of the Customer Advocacy at ###-###-#### or ***Respectfully,Wendy K*** ***Claims ManagerNationwide PCIO | MidWest Operations | Material Damage*** *** *** ***
*** ** ***C ###-###-#### | F ###-###-####***Office of Customer Advocacy | *** *** *** *** * *** ** ***
In response to Nationwides July 30, (didn’t realize I had to reply again to issue) statement I see errorsOne being I called several weeks after accidentThis may be true with regards to my most recent Subaru replacement car, however I did call the following day after release from hospital from accident on April 22ndThat being a call placed on April 23rd to report the accident and, ask if there was such a thing as a higher deductible other than the $and $I was quoted back in FebThat being the other error their July 30th replyThey state I was quoted “several deductibles” I was “only” quoted two, that being $and $500, both of which I stated I could not afford“and” I stated, “I guess I will have to sell my car “if” you don’t have a collision/deductible option I can afford!!! They then stated after a pause “is that all Jim”I stated “I guess if you can’t help me with a collision option any cheaper”They “ok then, Goodbye”Me Goodbye”I was “never” offered “anything” above and beyond a $+ $deductible “until” I called back stating my neighbor informed me most insurance companies have “higher deductibles”Only then was I informed I had $750, $1000, even $deductible options, of which I can afford , and have on my replacement car, a $deductibleHad I been quoted those options at the time in question I would not be in the position I’m in , a totaled $12,car that did not have collision which it would have had had I been offered to me back in FebTherefore I am seeking the value of the totaled car, $12,less the $deductible “I would have had had I been offered and made aware that there were and are more affordable options to me at the time of my inquiry back in FebWhen I inquired and stated I could not afford the “only two options” I was offered, when I state I guess I will have to sell my car if you (they insAgents) don’t have a collision options any cheaper, I and one would assume the insurance agents (illegible word) I exhausted any/all options available to meI have not owned a car worthy of collision until now, and assumed by the lack of any more collision options at the time of my inquiry, that $and $deductible was the norm with regard to insPolicies, and, that there was no such thing as a higher deductible, or, they would have offered it to me when especially where I’m telling them I guess I will have to sell my dream carIn short, I should have been made aware of ALL my collision options, not just $& $Sworn under penalty of perjury notarized statements available upon request $12,- $= $10,owed to meHowever NADA Book is $11,- $= $owed in the leastSincerely,
*** ** *** ***
Thank you for communication dated May 18, informing us of the matter that Ms*** has brought to your attention.Scottsdale Insurance Company is an excess and Surplus Lines company operating on a non-admitted basis in ***Scottsdale writes business only through licensed and
contracted General Agents who place business for their contracted independent retail agents.Upon receipt of your letter, we contacted our general agent, *** * *** ***, for whatever additional information they might provide concerning this matter.The policy in question was issued* or the policy period of March 3, to March 3, The insured requested cancellation of the policy effective April 1, 2017, and the policy was subject to a minimum earned premium of $297.00, plus any earned taxes and feesAs we provided coverage under this policy from March 3, until April 1, 2017, it is subject to the minimum earned premium per the terms and conditions of the policy.Please find enclosed: Copy of the bind request from the insur**’s agent, *** ***, dated March 3, 2017 Copy of Declarations page, indicating the $minimum earned premiumCopy of Invoice for the premium due and the return of premium (minus unearned commissions to *** ***) Copy of Cancellation endorsementPlease note that we do not have any business relationship with the insured’s agent, *** ***, IncTherefore, we are not privy to any conversations or arrangements between these parties, and any monies due to the insured would be returned by themWe respectfully suggest you contact them if there is any further information they can provide to resolve this matter.Should you require any further assistance in this matter, please contact our Customer Advocacy Coordinator, Patty G*** at ###-###-#### or via email at ***.Sincerely,Kevin B***
This will acknowledge receipt of, and thank you for your letter of December 2, *** ***’s complaint to you was in regards to her homeowner claim that was partially deniedIn reviewing Ms***’s claim, her claim involved reported damages to her property resulting from flood, wind, and
interior water damages from a storm which occurred on October 3, 2015.In regards to this homeowners claim, a loss notice was received by Nationwide on October 9, An initial contact was made with Ms*** on October 9, 2015, and again on October 13, 2015, by the assigned claims associateThe investigation and inspection of the claim commenced on October 15, At that time we reviewed with the insured that there was no coverage for any of the flood damages and mailed her a partial denial letter on October 16, Our inspection also determined ensuing water damages to a bathroom due to wind driven rains around a deteriorated roof ventAn estimate and payment for the covered damages (ensuing water damages) were provided to Ms***.On November 19, 2015, we received a request to re-inspect the property for an additional roof leakThe re-inspection took place on November 20, 2015, with Ms***’s son, *** presentThe inspection determined water had entered the attic around the deteriorated chimney flashing which caused water and mold damages to a small area on the underside of the roof sheathingAn estimate and payment for the additional damages were provided as well as a partial denial for the chimney flashing.Both inspections revealed there was no wind damage to the roof shingles from the storm of October 3, 2015, but there was damage due to deteriorated conditions of a roof vent and chimney flashing, which is not covered under the Nationwide homeowner policy.We hope this provides you the information that you requireIf we can be of any further assistance, please do not hesitate to contact us at any time.If you have any questions or concerns, please contact me at ###-###-#### or ***Sincerely,Debbie D***
This has absolutely nothing to do with my property and I have no idea who they are speaking ofThere is no "***" involvedMy last name is ***They should recheck the claim number which is for property in North Wildwood, NJ (*** * *** Ave unit ***)*** ***
COMPANY STATES LETTERS WERE SENT WHICH I AM STILL IN DISAGREEMENT WITH BC NO NOTICES WERE EVVER RECEIVEDTHIS WHOLE TIME THE BALANCE BEING REPORTED AND REFLECTED WERE INACCURATE AND WAS REPORTED TO TEH CREDIT BUREAUS HAVING A NEGATIVE IMPACT ON MY CREDIT WHICH IS UNFAIR.ON JULY WHEN I CALLED IN TO SPEAK WITH A SUPERVISOR EVEN HE WAS NOT ABLE TO TELL ME WHT THE BALANCE I OWED WASI HAVE NO PROBLEM PAYING WHAT I OWE I DO HOWEVER HAVE A PROBLEM PAYING ESTIMATED AMOUNTSI WANT THIS REMOVED FROM MY CREDIT REPORT SINCE IT WAS REPORTED INACCURATELY AND UNFAIRLYAT THIS POINT I FEEL THE ONLY OPTION I HAVE IS TO TAKE THIS TO THE MEDIA
Regards,
*** ***
To whom it may concern:Thank you for your recent inquiry regarding a complaint you received from Natalie ***Below is the information we gathered regarding this caseIf I do not provide the information you need for this matter, please do not hesitate to let us know.Our records indicate on
March 17, Associate Agent *** *** received an email from Ms*** informing him she was moving back to the *** *** on May 22, She also mentioned in the email the need for her bank account information to be updated because the account we had on file had been closed.On March 17, Mr*** responded via email to Ms***’ request to update her banking informationHe informed her he needed her routing and account number and asked her to confirm the account was in her name.Ms*** responded to Mr***’s email on March giving him the banking information needed and again on March These emails also contained questions pertaining to the $non-sufficient fund fee she was being incorrectly chargedUnfortunately, these emails were not opened by Mr*** until April It was on this date Mr*** informed Ms*** (via email) that he had not changed the routing and account numbers as he advised he wouldMr*** also informed Ms*** the policy was scheduled to cancel on April 29, Realizing his error, Mr*** also informed Ms*** he would have the non-sufficient fund fee waivedSubsequently, there was no follow up with the insured nor was the $non-sufficient fee waived.We have, however, taken the necessary steps to remove the $non-sufficient funds fee and the resulting $collection amount charged to Ms***A refund check in the amount of $(unearned premium) is in the process of being mailed to Ms*** and *** *** to the *** *** *** *** ** *** *** *** *** address we have on fileThe policy’s cancellation date will remain April 29, 2015.We sincerely apologize to Ms*** and Mr*** for the level of service they receivedWe thank them for their patience and for allowing us an opportunity to correct this issue.Thank you for bringing this matter to our attentionWe trust this will resolve all pending concernsIf you should have any questions or wish to discuss the matter further, please feel free to call *** *** Office of the Chief Customer Advocate Complaint Coordinator at ###-###-#### or email her at ***Sincerely,*** *** *** *** *** *** ***Nationwide###-###-#### ***
September 24,
Revdex.com File #: ***
Complainant:
*** ***
Insured:*** ***
Policy #: ***
Company Name: Nationwide General Insurance Company
*** ** ***
*** *** * ***
Inception date: May 7,
Dear *** ***
We regret that our rates were not competitive enough to keep *** *** auto policy insured with us*** *** policy increases were a direct result of a rate increase in her area at each renewal
The May 7, renewal generated with the term premium of $This was an overall increase of $from the previous renewalThis increase was due to a general rate increaseThe November 7, renewal generated with the term premium of $This was an overall increase of $from the previous renewalThis increase was due to a general rate increase. The May 7, renewal generated with the term premium of $835.59. This was an overall increase of $from the previous renewalThis increase was due to a general rate increase
*** *** agent, Albert G***, is sorry that the member is unhappy with her rates. He believes he took good care of her as a customer over the yearsUnfortunately, *** *** expressed to the agent that she does not wish to speak with him and advised him not to call her
On August 6, 2015, *** *** request cancelled her auto policy effective August 3, 2015. A refund was sent to her in the amount of $20.18. Our records indicate that she cashed the refund check on August 26,
We would like to personally express our regrets in losing *** *** as a member and ask that should her situation change in the future, she will consider Nationwide to be “On Your Side” again
If you require further assistance, please contact our Customer Relations Coordinator, Cathy D***, at ###-###-#### or by email at ***
Sincerely,
Tiffany C***
SrAnalyst
Member Solutions - Shared Services
Customer Resolution & Response
Nationwide
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Enclosures: Policy Declarations
Thank you for the opportunity to respond to the Revdex.com regarding the complaint filed by *** ***It is our practice to obtain either proof of purchase and/or photos of car seats needing to be replaced, in order to ensure that we're correctly replacing with the same/similar
model/trimConfirming the seat manufacturer and model/trim is an important detail in ensuring that payment for replacement is correct and in line with current pricing on replacement seats.We requested photos of the seat in question from *** ***, but were informed that the customer had already disposed of the car seatIn an effort to ensure correct payment, we requested proof of payment/a receipt in order to verify trim and pricing*** *** advised us that they did not hold onto the receipt for the car seat and that it was not purchased with a bank account, which made it impossible to provide proof of purchaseIn an effort to ensure customer satisfaction, we have made an exception and have approved payment for car seat replacement without the required photos and/or proof of paymentPayment in full for the car seat replacement requested by the customer has been approved and payment should be issued shortly.I trust that I have addressed the issues within *** ***’s complaintIf I can be of further assistance, please contact me at ###-###-####.Sincerely,*** *** ***Western Claims Titan Insurance
Dear *** ***,
Nationwide strives to provide great customer service to all of our customers. I have investigated the issues stated by our member and the following response was received from agent, *** ***, in regards to the complaint filed by *** ***
Our office spoke to this policyholder on December 1, She informed us she was the owner of the vehicle on policy number *** We wrote a spinoff policy December 2, with *** *** as the named insured and the two drivers on the policy were *** and her mother, *** The Application is in DocuVault but it is unsignedThe application was sent to her by email in December of and again in May of The policy was written correctly but sometimes when we write a spinoff policy, the named insured while in processing at Nationwide switches back to the named insured on the prior policy. While in Nationwide processing the new policy was placed back in her mother’s name. We are able to correct this but would need the signed applicationMs*** has still not signed the application to correct the named insured errorOur system reflects that on December 1, the policy was bound in *** ***’s name. I have already mentioned this to Nationwide because we have seen this error beforeNationwide is aware that this can happen when a spinoff policy is written (a spinoff policy is when a driver on a current policy is transferred to their own policy)The address on both of these policies is the same. All Declaration Pages have been sent to the *** *** addressI feel Ms*** is holding off signing the application because she wants Nationwide to pay the rental reimbursement for a rental car she had after her accident. We only need the signed application returned to us in order to place *** *** as the named Insured on the policy
Ms*** has spoken to Nationwide directly several times, the original vehicle on the prior policy and spinoff was a CadillacShe replaced that vehicle with an Audi and spoke to Nationwide directly to make that the replacement vehicleShe never had rental coverage on the prior policy *** and it was not put on the new spinoff policy ***There were never any notes or questions about rental coverage. Ms*** has received all Declaration Pages and no rental coverage is listedNo communication was made with our office after the conversation on December 1, 2014, when her spinoff policy was made effectiveMs*** has no documentation where she requested this coverage that I am aware of
We find that no error has occurred as there has been no documented request for LOU/Rental coverage either on Ms***'s prior policy or on her current policy. When her vehicle was added to the policy, there also was no request for LOU/Rental coverageSince this coverage was not on her prior policy and we do not have any record of a request being made to add this coverage, Nationwide is not responsible for reimbursing Ms*** for any rental car cost
If you have any additional questions, please contact me at ###-###-#### or ***
Best Regards,
*** ***
*** ***
Centralized Sales Operation and Support
Thank you for the opportunity to provide an additional response to the Revdex.com regarding policy number *** for Mr*** ***n
Mr*** requested to have his spouse, *** *** excluded from the policy because she was not going to be driving the listed vehicleMs*** was not required to be added to the policy but an exclusion form is required to be submitted when a household member of driving age is not going to be rated on the policyNotice was mailed to Mr*** requesting this information on 9/15/This was also verbally explained to Mr*** on 10/29/and 11/09/
The policy cancelled on 11/27/because the exclusion form requested was not received
If I can be of further assistance, please contact me at ###-###-####
Sincerely,
Alexandria C***
***This letter is in response to the concerns submitted to the Revdex.com regarding thecancellation and billing of the Nationwide Auto policy ***When the policy renewed on July 16, 2017, a premium of $1,was billed to the account, as wellas a $auto theft
state feeOn July 13, 2017, a $installment fee was billed to the account,increasing the premium to $1,A statement was then mailed on July 13, 2017, informing that apayment of $would be deducted from the bank account for which auto-draft had been set upon August 6, 2017, or by the next business dayThe payment was drafted on August 8, 2017, whichdecreased the owed balance to $1,596.74.On August 12, 2017, a $installment fee was charged to the billing account, which increased thepremium owed to $1,A statement was mailed on August 14, 2017, informing that a paymentof $would be deducted from the bank account on September 6, 2017, or the next businessdayThe payment was drafted on September 7, 2017, which decreased the owed balance to$1,451.58.On September 12, 2017, a $installment fee was charged to the billing account, which increasedthe premium owed to $1,A statement was mailed on September 12, 2017, informing that apayment of $would be deducted from the bank account on October 6, 2017, or the nextbusiness dayThe payment was drafted on October 9, 2017, which decreased the owed balance to$1,306.42.On October 11, 2017, the Agency processed a cancellation for the policy effective October 3, 2017.The unearned premium for the policy, in the amount of $1,364.95, was removed from the billingaccountThis resulted in an overpayment of $58.53, which was refunded to Ms***’s bankaccount.The following information is from Mrs***’s Agent Mark S*** regarding the cancellation andrefund issued to Ms ***:Ms*** called in on 10/3/and spoke with Joleen in our office to request the cancellation of herpolicyJoleen mailed her a cancellation form on that day, and explained she would cancel the policywhen she received the form back.When I spoke with Ms*** on 10/11/17, she said she had not received the cancellation form tosignI verified the address, and resent the cancellation formI said I would process the cancellationat that time effective 10/3/17, and wait to get the formal signed cancellation requestAs of 3/9/18, Ihave not received her formal signed cancellation form back.I had also spoken with Ms*** on 10/11/at 7:45AM about the funds that were taken from herchecking account, and I told her I would check into seeing about a refund for the funds taken from heraccount and get back to herI then called the *** billing and Customer Service Center, and theysaid they would be putting the funds back in her account within two business daysI called Ms.*** back at 8:55AM to tell her and told her I’ll keep an eye on the billing to see what happens.She seemed to be satisfied at that time.On 10/13/at 12:34PM, Ms*** called in to see what the result of the refund process wasbecause the amount refunded was far less than she expectedI told her I will call *** to find outand get back to her.On 10/13/at 12:44PM, I called *** billing because it seemed that the refund that was supposedto be returned was less than it should beI spoke to ***, and she said when Ms*** hadcalled in directly back in October to request that her withdrawal date be changed to the 6th of themonth, it really makes it as though she is paying for the prior month and that is why she is not gettingher full refund back.I called Ms*** back on 10/13/at 1:05PM about the refund issuesI explained what *** hadtold me and why she was not getting the amount back she was expectingI told her that she was theone who had called in directly to ***, and asked for the date of withdrawal to be changed from the16th to the 6th of the month, which creates a lag in the way her premiums are collectedShe wasupset, and said that she was being taken advantage of because she is an older woman, and that aman would never be treated this wayI told her that being older and a woman has absolutely nothingto do with thatI gave her the phone number for *** and her policy number for her to call.The total term amount owed for the policy from July 16, to October 3, 2017, including fees, was$The final payment that was drafted from the account in the amount of $on October9, paid for the earned premium up to the cancellation date of October 3, The totalpayment made toward the policy was $439.48, which resulted in a refund in the amount of $58.53.The unearned premium was refunded to Ms***’s bank account from which the automatic draftswere takenAll unearned premium was refunded to the accountFurthermore, an error has beenidentified in the handling of the policyWhen the Agency was informed of Ms***’s intent tocancel the policy, a cancellation of the autodraft from the bank account should have been offered.This was not completed, and as a result, the bank account was automatically billed the $146.16,which led to two insufficient funds fees being charged to the account, with a total amount of $56.00.Nationwide is issuing a check to Ms*** to reimburse her for the $56.00.If you require further assistance, please contact Angela S***, at ###-###-####or by e-mail at***Sincerely,George K*** ***cc:Enclosures:
Thank you for all that you doNationwide has sent me a check today of $1,which according to them is 75% of their own estimate of $1,At first when I gave them an estimate it was $from the mechanic that my insurance sent me toTheir own is far less than thatHowever, I asked them to please go and fix the car since their own estimate is lesserThe lady refused *** saying "I have to go and fix it and that is how much she is offering me"! I plant to get a second opinion from another mechanic.Kindly help to resolve this with them as they refusing to respond to me.Thank you,Sincerely,*** ***
I reviewed the response made by the business in reference to complaint ID *** and find the resolution is satisfactory to me
Regards, *** ***
This letter is in response to your August 26, inquiry regarding the above-referenced claimThis claim resulted from an auto accident that occurred on July 31, in *** ***The claim was reported to us on August 4, We promptly initiated our investigation into this accident on the
same day and were able to speak to both our insured and the complainantThe loss involves a International Pro Star tractor, VIN ***, owned by our insured which was being operated by *** *** Mr*** changed lanes and collided with the complainant’s vehicleLiability for the accident is not contested; however, coverage for the accident was pending as the International Pro Star tractor was not listed on the policy at the time of the accident.Scottsdale Insurance Company provides *** *** *** ***with coverage under Policy No***, effective August 7, through August 7, Among other coverages, the policy provides liability coverage for specifically described autos as well as newly-acquired and temporary substitute vehicles.Complainant: *** ***Both our insured and the complainant were advised that coverage was pending for this lossWe have also been in contact with, and provided the status of our coverage investigation to, the complainant’s insurance agent, *** *** with Tompkins Insurance Agencies, Inc., on August 13th and August 27th as well as the complainant’s son, ***, on August 25thIt is our objective to return all calls within one business day.Today, August 31st, we have been able to confirm the International Pro Star tractor involved in this accident will be added to the policy as a scheduled auto prior to this accidentAs coverage has now been confirmed, we have issued payment to the complainant for their estimated damages and also advised them today that payment is forthcoming.Should you require any further assistance in this matter, please contact our *** *** ***, Patty G***, at ###-###-#### or via email at ***Sincerely,Norm S*** *** ***###-###-#### ###-###-####
I am writing in response to the complaint referenced above, for *** ***, regarding an auto loan he holdswith Nationwide Bank.In reviewing Mr***s account, I find that we have received all the documentation required of Mr*** inorder to maintain his approved interest rateI sincerely
apologize for any frustration or concern our letter mayhave caused Mr***. To verify, the loan number referenced in Mr***s complaint was opened with Nationwide Bank onNovember 28, for a term of sixty months with an APR of 10.98%That interest rate is fixed and will beactive for the remainder of the loan.Please feel free to reach out to me directly if I may be of further assistance.Thank you,Anne C***